Punjab National Bank (NSE:PNB)
India flag India · Delayed Price · Currency is INR
122.50
0.00 (0.00%)
Oct 22, 2026, 3:29 PM IST

Punjab National Bank Financials Overview

Millions INR. Fiscal year is Apr - Mar.

Revenue & Profits

Fiscal Year
TTMFY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingSep '26 Mar '26 Mar '25 Mar '24 Mar '23 Mar '22
Revenue
589,545589,106586,030421,407274,050241,667
Revenue Growth
14.14%0.53%39.06%53.77%13.40%6.61%
Net Income
228,606183,927184,80391,07233,48538,607
Earnings Per Share
19.9016.0016.428.273.043.53
EPS Growth
34.23%-2.52%98.49%172.07%-13.80%33.61%

Revenue by Segment

Fiscal Year
TTMFY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingSep '26 Mar '26 Mar '25 Mar '24 Mar '23 Mar '22
Treasury Operations
433,348447,812402,676330,025281,239302,443
Corporate/Wholesale Banking
589,167567,343585,980519,475407,327308,872
Retail Banking - Digital Banking
9.95.63.31.30.2-
Retail Banking - Other Retail Banking
459,031440,144383,057349,733270,713247,837
Other Banking Operations
33,69939,32932,85224,70731,56924,243
Total
1,515,2551,494,6331,404,5681,223,940990,849883,395

Cash & Debt

Fiscal Year
CurrentFY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingSep '26 Mar '26 Mar '25 Mar '24 Mar '23 Mar '22
Cash & Investments
1,532,1601,067,165896,053696,284828,502515,797
Total Debt
1,378,3571,075,5841,058,066725,856701,486593,717
Net Cash (Debt)
153,803-8,419-162,012-29,572127,016-77,920
Net Cash Growth
-60.67%-----
Net Cash Per Share
13.39-0.73-14.39-2.6911.54-7.12

Cash Flow & CapEx

Fiscal Year
TTMFY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingSep '26 Mar '26 Mar '25 Mar '24 Mar '23 Mar '22
Operating Cash Flow
-1,484,562-1,221,401-1,757,194-1,168,176-1,135,205-204,853
Capital Expenditures
-16,464-16,246-16,014-11,750-5,524-5,364
Free Cash Flow
-1,501,026-1,237,647-1,773,208-1,179,926-1,140,729-210,217
Free Cash Flow Growth
------

Margins

Fiscal Year
TTMFY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingSep '26 Mar '26 Mar '25 Mar '24 Mar '23 Mar '22
Profit Margin
38.78%31.22%31.54%21.61%12.22%15.97%
FCF Margin
-254.61%-210.09%-302.58%-280.00%-416.25%-86.99%

Dividends

Fiscal Year
CurrentFY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingOct '26 Mar '26 Mar '25 Mar '24 Mar '23 Mar '22
Dividend Per Share
3.0003.0002.9001.5000.6500.640
Dividend Per Share Growth
3.45%3.45%93.33%130.77%1.56%-
Dividend Yield
2.45%2.98%3.02%1.21%1.40%1.83%

Valuation

Fiscal Year
CurrentFY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingOct '26 Mar '26 Mar '25 Mar '24 Mar '23 Mar '22
PE Ratio
6.166.285.9815.0415.3210.00
Forward PE
6.7111.0511.0511.0510.796.38
PS Ratio
2.391.961.893.251.871.60